Master students can buy a house after working in SAIC Bus Group for 2 to 3 years.

1, settled 1 year, social security or individual tax 1 year, and qualified to buy a house (the settlement time and social security or individual tax should be 1 year at the same time).

2. Only those who have settled in less than 1 year can be eligible to buy a house after two years of social security or tax payment.

3. If the household registration book shows that the new talent policy has been settled (this article does not apply to those who have settled in undergraduate courses), social security is eligible to buy a house in the payment state (as long as social security can be found, there is no time requirement).

Related information introduction:

Basic loan conditions:

1, the identity is legal and valid.

2. At least 18 years old, and the age plus loan period shall not exceed 70 years old.

3. Have the ability to repay the loan principal and interest on time.

4. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.

5. The credit is good, the loans and credit cards under the names of customers and their spouses are not overdue at present, and the credit records meet the product access requirements.

If you apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, it is generally necessary to contact the local personal loan department to provide personal information and purchased real estate before applying.

How long can I get a loan to buy a house?

How long can I get a loan to buy a house? Employees can borrow money to buy a house after working for three years, which is clearly stipulated by the state, but some enterprises also have their own correctness, depending on the profitability of the enterprise.

How much can I borrow from the 30 thousand provident fund? How many years to work before buying a house!

After everyone takes part in the work, the unit will buy you five insurances and one gold, one of which is the provident fund, which can be used for future housing loans. The salary at the beginning of work is relatively low, and the amount paid is not much, so some people may work for several years to earn tens of thousands of dollars. So how much can you borrow from the 30 thousand provident fund?

Due to the different calculation methods of the provident fund loan amount, banks will comprehensively consider the repayment ability, the proportion of the house price, the balance of the housing provident fund account, the maximum loan amount and other factors.

1, repayment ability = [(total monthly salary of the borrower or husband and wife, monthly contribution of housing accumulation fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of the existing loan of the borrower or husband and wife ]× 12 (month )× loan term.

2. House price = house price × loan ratio. Generally speaking, if the building area is more than 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchased loan.

3. Maximum amount of provident fund loan = 500,000 yuan to 700,000 yuan.

4. Balance of provident fund accounts = balance of provident fund accounts of borrowers and participants × 15.

In short, the amount of provident fund loan is about 1 0,000 ~ 400,000, which is not higher than 80% of the total amount of commercial housing or the appraised price of second-hand housing. If your house price is 200,000 yuan, the maximum loan amount is 1.6 million yuan.

There will be differences in policies in each region. You can consult the administrative staff or developers of relevant departments, and it is best to go to the bank for details.

How long can I apply for a provident fund loan to buy a house after I join the company?

How long can I apply for a provident fund loan to buy a house after joining the company? Generally, you can borrow money to buy a house after the provident fund has been paid for three months, and the loan amount of the loan to buy a house is determined by the deposit amount of the provident fund. So how much you want to borrow can be decided according to your own provident fund balance.